5 Credit Score Myths That Cost You Money
Debunking common misconceptions that keep people from optimizing their credit scores effectively.
December 15, 2024We're here to help you navigate credit cards and financial planning with confidence. No jargon, no pressure—just honest advice tailored to your life.
✨ Takes 2 minutes, completely free
We noticed something frustrating: most financial advice feels like it's written by robots for robots. Complex jargon, one-size-fits-all solutions, and pushy sales tactics that don't actually help real people.
So we built something different. Finzi is your friendly neighborhood finance advisor—we speak human, we get that your situation is unique, and we're genuinely here to help you succeed.
Every service is designed around one simple goal: making your money work harder for you, without the complexity.
We'll match you with credit cards that actually fit your spending habits and goals. No more guessing or getting stuck with the wrong rewards.
Simple, actionable plans that work with your real life. We focus on building habits that stick, not overwhelming spreadsheets.
Turn your everyday spending into travel, cashback, or whatever matters to you. We'll show you exactly how to maximize every dollar.
Build your credit score strategically and safely. We'll help you understand what actually moves the needle.
Your financial life changes, and so should your strategy. We're here for the long haul with regular check-ins and updates.
Your financial information stays private. We never sell your data or share it with third parties without your explicit consent.
Simple, transparent process. No surprises, no pressure.
We chat about your goals, spending habits, and current financial situation. Takes about 15 minutes and helps us understand what you need.
We create a personalized plan just for you. This includes specific card recommendations, timeline, and step-by-step actions.
We guide you through each step, from applications to setting up your new financial systems. You're never doing this alone.
Regular check-ins to optimize your strategy as your life changes. Plus ongoing support whenever you have questions.
"I was using my debit card for everything. Finzi helped me find a travel card that earned me enough points for a free vacation to Japan!"
"The credit building strategy was so simple. Six months later, I qualified for a mortgage with a great rate."
"I didn't realize how much I was losing to fees. Now I'm actually earning money on my regular spending."
Our initial consultation is always free. After that, we offer flexible pricing based on what you need—from one-time strategy sessions ($150) to ongoing monthly support ($49/month). No hidden fees, ever.
We're very careful about this. We only recommend applications when you have good approval odds, and we space them out properly. Most clients see their scores improve over time.
Absolutely! Some of our best success stories are people who started with no credit history. We love helping people build strong financial foundations from day one.
We're not trying to sell you specific cards or products. We're genuinely independent and only recommend what's best for your unique situation. Plus, we actually talk to you like a human being.
Perfect! We can help optimize your existing setup and identify opportunities to earn more rewards or save on fees. Sometimes the best strategy is working with what you have.
Most clients start earning better rewards immediately after implementing our recommendations. Credit score improvements typically take 3-6 months to show up significantly.
Practical tips and updates from our team
Debunking common misconceptions that keep people from optimizing their credit scores effectively.
December 15, 2024Your complete guide to earning and redeeming travel points without the complexity.
December 10, 2024Simple approach to earning consistent cashback on all your purchases.
December 5, 2024"Finally, someone who explains credit cards in plain English! I went from confused to confident in just one session."
"The personalized approach made all the difference. They actually listened to my goals instead of pushing products."
"I was skeptical about paying for financial advice, but the ROI was immediate. Earned back the fee in the first month."
"They helped me turn my student loan payments into travel rewards. Now I'm planning a trip to Europe!"
We'd love to chat about your goals. Book a free 15-minute consultation and let's see how we can help.
Email: info@finzi.live
Response time: Usually within 24 hours